CARE
Carter BanksharesCNasdaq / Banks
Last Price
At close
2026-07-21
Current thesis
NIM expansion and stable deposits drive EPS upside and multiple re-rating toward the analyst high (~$24.00) over 12 months; limited M&A interest or multiple expansion would accelerate that upside.
Posture
Mixed
Lead driver
Momentum
What changed
Next scheduled catalyst: earnings 2026-07-23.
What can break
Higher loan-loss provisions from local CRE or commercial borrowers
Momentum
86
Value
45
Sentiment
33
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $22.82 · Bull $24.00 · Bear $18.00
Earnings
2026-07-23
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-29 • Model: RankAlpha Sentiment AI
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $28.00
Why
Momentum86 · Δ7d -3.8
Value45 · Δ7d -0.3
Sentiment33 · Δ7d -4.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Momentum · See technicals
Momentum
86
26% active weight
Current posture
7d trendSoftening
Δ7d
-3.8
Δ21d
-2.1
Value
45
39% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
+0.4
Sentiment
33
34% active weight
Current posture
7d trendSoftening
Δ7d
-4.1
Δ21d
-2.2
Why this grade
Composite grade C. Momentum 86.0 / Value 44.6 / Sentiment 33.4
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$739.77M
Beta
0.57
Shares Out
22.22M
P/E (TTM)
14.5
P/S (TTM)
2.94
P/FCF (TTM)
13.99
Rev YoY
+106.9%
EPS YoY
+900.9%
Gross Margin
-
Op Margin
+26.8%
Net Debt
$152.49M
Current Ratio
0.07
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology